What Vlack does

Vlack (legal entity Vlack.io) is an Argentina-based B2B fintech founded in 2024 and headquartered in Córdoba. The company operates a digital wallet and financial management platform aimed at small and medium businesses, entrepreneurs, and growth-stage startups in the Argentine market. Its core proposition centralizes expense management, supplier and collaborator payments, multi-user account control, financial reporting, and interest-earning balances into a single web-accessible account.

The platform is organized around five integrated product modules: Pagos Automáticos for scheduled and bulk transfers (including automated percentage adjustments for recurring periods), Recibir Pagos for receiving instant transfers with multiple CVUs and per-collaborator collection views, Equipos for role-based multi-user access with individual CVUs and per-user budget controls, Reportes for customized expense analysis by category and trend, and Saldo Remunerado, which deploys idle balances into money market funds to generate daily returns and hedge against Argentine peso devaluation. The platform integrates with Argentina's local payment rails via CVU (Clave Virtual Uniforme), offers two-factor authentication across SMS, authenticator, and hardware key methods, and is web-delivered with no mobile app currently shipped.

Vlack's revenue mechanics are not publicly disclosed, but the platform combines subscription-style digital account services with potential float-based income from money market fund investments under Saldo Remunerado. Go-to-market is sales-led and self-serve via vlack.io, with a waitlist/early-access funnel and multi-channel content marketing across LinkedIn, Instagram, X, YouTube, GitHub, and an educational blog. The company operates with 1-10 employees, has not disclosed funding rounds or paying customers, and is currently gated behind a staged rollout in Argentina only.

Name

Vlack

Legal name

Vlack.io

Website

https://vlack.io

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Vlack is an Argentine B2B fintech offering a digital wallet and financial management platform for SMBs, entrepreneurs, and growth-stage startups. It centralizes expense management, multi-user payments with CVUs, reporting, and interest-earning balances via money market funds.

Ownership category

akta.pro rank

Product category

Business Financial Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

Keywords

• Business expense management
• Digital business banking
• Payment automation platform
• Team financial management
• Interest-bearing business accounts

Headquarters

HQ city

Córdoba

HQ country

Argentina

HQ region

Latin America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. Digital Business Account Services: Vlack generates revenue through digital banking and financial management services for businesses. The platform offers expense management, payment processing, and financial reporting tools as core services. The remuneration balance feature likely generates returns through money market fund investments. The company operates as a regulated financial entity in Argentina.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Vlack (Vlack.io) is a digital wallet and financial management platform for Argentine businesses and entrepreneurs. The platform centralizes expense management, automates payments to suppliers and collaborators, enables multi-user team access with individual CVUs, generates custom financial reports, and offers interest-earning balances through money market fund investments.

Product overview

Vlack is a B2B digital wallet and financial management platform designed for businesses and entrepreneurs in Argentina. The platform operates as a unified product with five integrated modules: Pagos Automáticos for payment automation and mass transfers, Recibir Pagos for instant fund reception, Equipos for multi-user account management with role-based access and CVU allocation, Reportes for expense analysis and custom reporting, and Saldo Remunerado for interest-earning account balances. The platform centralizes expense management, vendor payments, team financial controls, and financial reporting into a single digital account accessible via web interface.

Differentiator

Problem solved

Functional benefit

Products and services

• Pagos Automáticos (Automated Payments) Automated payment feature enabling scheduled fund transfers, mass payments to multiple recipients, and percentage increase automation for quarterly or custom periods. Designed for Argentine businesses paying suppliers and collaborators.
• Recibir Pagos (Receive Payments) Instant secure fund reception feature allowing multiple CVUs, deferred access, and customized collection views for collaborators to verify transfer receipts. Built for Argentine businesses receiving client payments.
• Equipos (Teams) Multi-user account management with custom role assignments, individual CVUs per user or team, and budget allocation controls for team members. Targets growing Argentine businesses that need role-based financial access and per-user spending limits.
• Reportes (Reports) Custom reporting and expense analysis feature providing detailed budget distribution insights by department, category-level spending analysis, trend tracking, and resource optimization recommendations.
• Saldo Remunerado (Remunerated Balance) Interest-bearing balance service allowing funds to earn daily returns through Money Market fund investments while protecting against currency devaluation. Designed for Argentine businesses seeking passive returns on idle pesos.

Quantifiable outcome

• Day-to-day budget growth through remunerated balance
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators1 record

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Pomelo: Pomelo is a LatAm fintech-as-a-service platform providing cards, accounts, and payment infrastructure to banks and fintechs across the region. Comparable as an enabling infrastructure player in the same Argentine/LatAm fintech ecosystem Vlack operates in.
• Naranja X: Naranja X is the Argentine fintech arm of Grupo Galicia, offering digital accounts, cards, payments, and a broad financial marketplace. It is a large incumbent competing for the same Argentine SMB and consumer wallet share as Vlack.
• Mercado Pago: Mercado Pago is the dominant Argentine and LatAm digital wallet/payments platform, offering business accounts, transfers, point-of-sale, and credit products. It is the incumbent Vlack most directly competes with for Argentine SMB digital banking spend.
• Brubank: Brubank is an Argentine digital bank offering accounts, transfers, and card products. It overlaps with Vlack in providing digitally native business banking infrastructure for Argentine customers.

Direct peers

• Mendel: Mendel provides B2B payment and expense management infrastructure across LatAm, with a focus on cross-border corporate spend. Comparable to Vlack in serving SMB/mid-market finance teams managing supplier payments and expense workflows.
• Ualá: Ualá is an Argentine-founded neobank offering personal and business accounts, transfers, cards, and expense tooling. It is the closest direct peer to Vlack in terms of targeting Argentine SMBs with multi-user digital financial accounts.
• Clara: Clara is a Mexico-headquartered LatAm B2B spend management and corporate cards platform serving SMBs and mid-market companies across the region. It shares Vlack's focus on business expense management, multi-user controls, and payments automation for LatAm companies.
• Jeeves: Jeeves is a LatAm B2B corporate cards and expense management platform operating across multiple Latin American countries. Comparable to Vlack in targeting SMB/mid-market expense management and payment workflows.

Regional players

• AstroPay: AstroPay is a LatAm digital payments platform offering accounts, cards, and cross-border payment services with strong presence across multiple Latin American countries but limited overlap in core Argentina SMB market.

Emerging players

• Menta: Menta is an Argentine fintech operating as an e-money issuer offering prepaid cards, accounts, and payment solutions. Comparable as a smaller Argentine fintech peer navigating the same BCRA-regulated wallet landscape as Vlack.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/vlackhq
• GitHubgithub.com/vlackhq
• YouTubeyoutube.com/@vlackhq
• LinkedInlinkedin.com/company/vlackhq
• Instagraminstagram.com/vlackhq

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vlack